Product Finder
Work out your Buy-to-Let finance plan
By answering some simple questions about your residency status and business structure, we can help find the perfect buy-to-let product for you or you can find our products here.
We have some fantastic financial options that might catch your eye.
Check how much rent you can comfortably afford based on your income and monthly expenses.
Our product finder
We offer a monthly payment estimate based on your selected term, finance amount, and type of agreement
Are you based in Britain or living abroad?
Do you operate as an individual or a UK LTD company?
What type of property are you interested in?
Filters
Residency
Individual or LTD?
Property Type
Showing 105 results
Fixed – 5 years
Single AST Occupancy
Initial rental
rate:
6.09%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
80%
Individual
Buy within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
Earn minimum 18k
Have a minimum income of £18,000, applicable to at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Limited Company
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
Single AST Occupancy
Initial rental
rate:
6.09%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%
Individual
Buy within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
Earn minimum 18k
Have a minimum income of £18,000, applicable to at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Limited Company
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
Single AST Occupancy
Initial rental
rate:
6.08%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%
Individual
Buy within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
Earn minimum 18k
Have a minimum income of £18,000, applicable to at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Limited Company
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
HMO / MUFB
Initial rental
rate:
6.25%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%
Individual
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance Limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 18 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property condition
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Limited Company
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
HMO / MUFB
Initial rental
rate:
6.25%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%
Individual
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance Limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 18 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property condition
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Limited Company
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
Single AST Occupancy
Initial rental
rate:
6.25%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
80%
Individual
Buy within the UK
You intend to buy property in England or Wales
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 20 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Limit
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Personal account
You need to have a UK bank account in your name.
Expat eligibility
It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible
Limited Company
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
Single AST Occupancy
Initial rental
rate:
6.24%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%
Individual
Buy within the UK
You intend to buy property in England or Wales
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 20 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Limit
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Personal account
You need to have a UK bank account in your name.
Expat eligibility
It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible
Limited Company
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
Single AST Occupancy
Initial rental
rate:
6.19%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%
Individual
Buy within the UK
You intend to buy property in England or Wales
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 20 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Limit
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Personal account
You need to have a UK bank account in your name.
Expat eligibility
It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible
Limited Company
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
HMO / MUFB
Initial rental
rate:
6.35%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%
Individual
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance Limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies.
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively.
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 20 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property condition
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Limited Company
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
HMO / MUFB
Initial rental
rate:
6.35%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%
Individual
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance Limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies.
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively.
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 20 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property condition
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Limited Company
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
HMO / MUFB
Initial rental
rate:
6.25%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
HMO / MUFB
Initial rental
rate:
6.25%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 20 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property Conditions
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Fixed – 5 years
Single AST Occupancy
Initial rental
rate:
6.08%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
Single AST Occupancy
Initial rental
rate:
6.09%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
Single AST Occupancy
Initial rental
rate:
6.09%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
80%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
HMO / MUFB
Initial rental
rate:
6.25%%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance Limits
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies.
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively.
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 20 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property condition
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Fixed – 5 years
HMO / MUFB
Initial rental
rate:
6.60%%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance Limits
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies.
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively.
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 20 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property condition
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Fixed – 5 years
Single AST Occupancy
Initial rental
rate:
6.35%%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Buy within the UK
You intend to buy property in England or Wales
Earn minimum 18k
The minimum income required is £21,000 for at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Personal account
You need to have a UK bank account in your name.
Expat eligibility
It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible
Fixed – 5 years
Single AST Occupancy
Initial rental
rate:
6.45%%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Buy within the UK
You intend to buy property in England or Wales
Earn minimum 18k
The minimum income required is £21,000 for at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Personal account
You need to have a UK bank account in your name.
Expat eligibility
It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible
Fixed – 5 years
Single AST Occupancy
Initial rental
rate:
6.45%%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
80%%
Buy within the UK
You intend to buy property in England or Wales
Earn minimum 18k
The minimum income required is £21,000 for at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Personal account
You need to have a UK bank account in your name.
Expat eligibility
It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible
Fixed – 5 years
HMO / MUFB
Initial rental
rate:
6.25%%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
HMO / MUFB
Initial rental
rate:
6.60%%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
Single AST Occupancy
Initial rental
rate:
6.35%%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
Single AST Occupancy
Initial rental
rate:
6.45%%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
Single AST Occupancy
Initial rental
rate:
6.45%%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
80%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
HMO / MUFB
Initial rental
rate:
6.50%%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 20 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property Conditions
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Fixed – 5 years
HMO / MUFB
Initial rental
rate:
6.50%%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 20 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property Conditions
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Fixed – 5 years
Single AST Occupancy
Initial rental
rate:
6.20%%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Buy within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
Earn minimum 18k
Have a minimum income of £18,000, applicable to at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Fixed – 5 years
Single AST Occupancy
Initial rental
rate:
6.32%%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Buy within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
Earn minimum 18k
Have a minimum income of £18,000, applicable to at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Fixed – 5 years
Single AST Occupancy
Initial rental
rate:
6.32%%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
80%%
Buy within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
Earn minimum 18k
Have a minimum income of £18,000, applicable to at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Fixed – 5 years
HMO / MUFB
Initial rental
rate:
6.50%%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
HMO / MUFB
Initial rental
rate:
6.50%%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
Single AST Occupancy
Initial rental
rate:
6.20%%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
Single AST Occupancy
Initial rental
rate:
6.32%%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 5 years
Single AST Occupancy
Initial rental
rate:
6.32%%
Initial
term:
Fixed 5 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
80%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 2 years
Single AST Occupancy
Initial rental
rate:
6.14%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
80%
Individual
Buy within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
Earn minimum 18k
Have a minimum income of £18,000, applicable to at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Limited Company
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 2 years
Single AST Occupancy
Initial rental
rate:
6.14%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%
Individual
Buy within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
Earn minimum 18k
Have a minimum income of £18,000, applicable to at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Limited Company
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 2 years
Single AST Occupancy
Initial rental
rate:
6.08%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%
Individual
Buy within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
Earn minimum 18k
Have a minimum income of £18,000, applicable to at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Limited Company
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 2 years
HMO / MUFB
Initial rental
rate:
6.18%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%
Individual
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance Limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 18 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property condition
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Limited Company
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 2 years
Single AST Occupancy
Initial rental
rate:
6.25%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
80%
Individual
Buy within the UK
You intend to buy property in England or Wales
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 20 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Limit
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Personal account
You need to have a UK bank account in your name.
Expat eligibility
It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible
Limited Company
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 2 years
Single AST Occupancy
Initial rental
rate:
6.24%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%
Individual
Buy within the UK
You intend to buy property in England or Wales
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 20 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Limit
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Personal account
You need to have a UK bank account in your name.
Expat eligibility
It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible
Limited Company
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 2 years
Single AST Occupancy
Initial rental
rate:
6.19%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%
Individual
Buy within the UK
You intend to buy property in England or Wales
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 20 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Limit
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Personal account
You need to have a UK bank account in your name.
Expat eligibility
It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible
Limited Company
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 2 years
HMO / MUFB
Initial rental
rate:
6.28%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%
Individual
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance Limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies.
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively.
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 20 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property condition
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Limited Company
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 2 years
HMO / MUFB
Initial rental
rate:
6.28%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%
Individual
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance Limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies.
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively.
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 20 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property condition
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Limited Company
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 2 years
HMO / MUFB
Initial rental
rate:
6.18%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%
Individual
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance Limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 18 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property condition
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Limited Company
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 2 years
HMO / MUFB
Initial rental
rate:
6.05%%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance Limits
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies.
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively.
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 20 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property condition
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Fixed – 2 years
HMO / MUFB
Initial rental
rate:
6.44%%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance Limits
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies.
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively.
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 20 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property condition
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Fixed – 2 years
Single AST Occupancy
Initial rental
rate:
6.35%%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Buy within the UK
You intend to buy property in England or Wales
Earn minimum 18k
The minimum income required is £21,000 for at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Personal account
You need to have a UK bank account in your name.
Expat eligibility
It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible
Fixed – 2 years
Single AST Occupancy
Initial rental
rate:
6.35%%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Buy within the UK
You intend to buy property in England or Wales
Earn minimum 18k
The minimum income required is £21,000 for at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Personal account
You need to have a UK bank account in your name.
Expat eligibility
It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible
Fixed – 2 years
Single AST Occupancy
Initial rental
rate:
6.34%%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
80%%
Buy within the UK
You intend to buy property in England or Wales
Earn minimum 18k
The minimum income required is £21,000 for at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Personal account
You need to have a UK bank account in your name.
Expat eligibility
It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible
Fixed – 2 years
HMO / MUFB
Initial rental
rate:
6.05%%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 2 years
HMO / MUFB
Initial rental
rate:
6.44%%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 2 years
Single AST Occupancy
Initial rental
rate:
6.35%%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 2 years
Single AST Occupancy
Initial rental
rate:
6.35%%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 2 years
Single AST Occupancy
Initial rental
rate:
6.34%%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
80%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 2 years
HMO / MUFB
Initial rental
rate:
6.34%%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 20 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property Conditions
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Fixed – 2 years
HMO / MUFB
Initial rental
rate:
6.34%%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 20 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property Conditions
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Fixed – 2 years
Single AST Occupancy
Initial rental
rate:
6.24%%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Buy within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
Earn minimum 18k
Have a minimum income of £18,000, applicable to at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Fixed – 2 years
Single AST Occupancy
Initial rental
rate:
6.24%%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Buy within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
Earn minimum 18k
Have a minimum income of £18,000, applicable to at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Fixed – 2 years
Single AST Occupancy
Initial rental
rate:
6.24%%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
80%%
Buy within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
Earn minimum 18k
Have a minimum income of £18,000, applicable to at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Fixed – 2 years
HMO / MUFB
Initial rental
rate:
6.34%%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 2 years
HMO / MUFB
Initial rental
rate:
6.34%%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 2 years
Single AST Occupancy
Initial rental
rate:
6.24%%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 2 years
Single AST Occupancy
Initial rental
rate:
6.24%%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Fixed – 2 years
Single AST Occupancy
Initial rental
rate:
6.24%%
Initial
term:
Fixed 2 year EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
80%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Discounted Variable
Single AST Occupancy
Initial rental
rate:
6.20%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
80%
Buy within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
Earn minimum 18k
Have a minimum income of £18,000, applicable to at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Discounted Variable
Single AST Occupancy
Initial rental
rate:
6.20%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%
Buy within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
Earn minimum 18k
Have a minimum income of £18,000, applicable to at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Discounted Variable
Single AST Occupancy
Initial rental
rate:
6.10%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%
Buy within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
Earn minimum 18k
Have a minimum income of £18,000, applicable to at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Discounted Variable
HMO / MUFB
Initial rental
rate:
6.20%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 20 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property Conditions
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Discounted Variable
HMO / MUFB
Initial rental
rate:
6.20%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 20 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property Conditions
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Discounted Variable
Single AST Occupancy
Initial rental
rate:
6.20%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
80%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Discounted Variable
Single AST Occupancy
Initial rental
rate:
6.20%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Discounted Variable
Single AST Occupancy
Initial rental
rate:
6.10%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Discounted Variable
HMO / MUFB
Initial rental
rate:
6.20%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Discounted Variable
HMO / MUFB
Initial rental
rate:
6.20%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Discounted Variable
Single AST Occupancy
Initial rental
rate:
6.30%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
80%
Buy within the UK
You intend to buy property in England or Wales
Earn minimum 18k
The minimum income required is £21,000 for at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Personal account
You need to have a UK bank account in your name.
Expat eligibility
It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible
Discounted Variable
Single AST Occupancy
Initial rental
rate:
6.30%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%
Buy within the UK
You intend to buy property in England or Wales
Earn minimum 18k
The minimum income required is £21,000 for at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Personal account
You need to have a UK bank account in your name.
Expat eligibility
It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible
Discounted Variable
Single AST Occupancy
Initial rental
rate:
6.20%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%
Buy within the UK
You intend to buy property in England or Wales
Earn minimum 18k
The minimum income required is £21,000 for at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Personal account
You need to have a UK bank account in your name.
Expat eligibility
It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible
Discounted Variable
HMO / MUFB
Initial rental
rate:
6.30%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance Limits
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies.
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively.
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 20 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property condition
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Discounted Variable
HMO / MUFB
Initial rental
rate:
6.20%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance Limits
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies.
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively.
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 20 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property condition
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Discounted Variable
Single AST Occupancy
Initial rental
rate:
6.30%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
80%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Discounted Variable
Single AST Occupancy
Initial rental
rate:
6.30%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Discounted Variable
Single AST Occupancy
Initial rental
rate:
6.20%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Discounted Variable
HMO / MUFB
Initial rental
rate:
6.44%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Discounted Variable
HMO / MUFB
Initial rental
rate:
6.20%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Discounted 2 years
HMO / MUFB
Initial rental
rate:
6.00%%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance Limits
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies.
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively.
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 20 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property condition
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Discounted 2 years
HMO / MUFB
Initial rental
rate:
6.10%%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance Limits
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies.
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively.
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 20 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property condition
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Discounted 2 years
Single AST Occupancy
Initial rental
rate:
5.95%%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Buy within the UK
You intend to buy property in England or Wales
Earn minimum 18k
The minimum income required is £21,000 for at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Personal account
You need to have a UK bank account in your name.
Expat eligibility
It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible
Discounted 2 years
Single AST Occupancy
Initial rental
rate:
6.05%%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Buy within the UK
You intend to buy property in England or Wales
Earn minimum 18k
The minimum income required is £21,000 for at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Personal account
You need to have a UK bank account in your name.
Expat eligibility
It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible
Discounted 2 years
Single AST Occupancy
Initial rental
rate:
6.10%%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
80%%
Buy within the UK
You intend to buy property in England or Wales
Earn minimum 18k
The minimum income required is £21,000 for at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Personal account
You need to have a UK bank account in your name.
Expat eligibility
It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible
Discounted 2 years
HMO / MUFB
Initial rental
rate:
6.00%%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Discounted 2 years
HMO / MUFB
Initial rental
rate:
6.10%%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Discounted 2 years
Single AST Occupancy
Initial rental
rate:
5.95%%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Discounted 2 years
Single AST Occupancy
Initial rental
rate:
6.05%%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Discounted 2 years
Single AST Occupancy
Initial rental
rate:
6.10%%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
80%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Discounted 2 years
HMO / MUFB
Initial rental
rate:
6.00%%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 20 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property Conditions
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Discounted 2 years
HMO / MUFB
Initial rental
rate:
6.05%%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Maximum number of bedrooms
There can’t be more than 12 bedrooms.
Sufficient liability insurance and savings set aside for property upkeep and emergencies
Tenants
Tenants with diplomatic immunity aren’t accepted.
Property value limit
The property needs to be valued at least £200,000 in London or £100,000 elsewhere.
Income coverage ratio
Your income should comfortably cover your expenses and show you can manage your finances effectively
HMO licence
If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.
Buying within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
At least 18
You need to be older than 20 to be eligible for financing.
Earn minimum 18k
The minimum income required is £18,000 for at least one applicant.
Property Conditions
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Discounted 2 years
Single AST Occupancy
Initial rental
rate:
5.90%%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Buy within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
Earn minimum 18k
Have a minimum income of £18,000, applicable to at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Discounted 2 years
Single AST Occupancy
Initial rental
rate:
5.95%%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Buy within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
Earn minimum 18k
Have a minimum income of £18,000, applicable to at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Discounted 2 years
Single AST Occupancy
Initial rental
rate:
6.00%%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
80%%
Buy within the UK
If you’re purchasing property in England and Wales, you’re eligible for financing.
Earn minimum 18k
Have a minimum income of £18,000, applicable to at least one applicant.
Property value limit
The property’s value falls between £80,000 and £5 million.
At least 18
You need to be older than 18 to be eligible for financing.
Experienced or First-time landlords
For portfolio applications, both experienced and first-time landlords are eligible, including those applying for HMO/MUFB properties.
Property Conditions
The property must meet certain standards for habitability and safety, as determined by a professional inspection.
Finance limit
Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.
Discounted 2 years
HMO / MUFB
Initial rental
rate:
5.95%%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Discounted 2 years
HMO / MUFB
Initial rental
rate:
6.00%%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Discounted 2 years
Single AST Occupancy
Initial rental
rate:
5.85%%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
65%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Discounted 2 years
Single AST Occupancy
Initial rental
rate:
5.95%%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
75%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
Discounted 2 years
Single AST Occupancy
Initial rental
rate:
6.00%%
Initial
term:
No EBC
Product
fee:
1% @ min £999
Finance to Value (FTV):
80%%
Agreement with Offa
The agreement will be made between Offa and the company.
Company Eligibility Rules
Companies must be registered and operating in England or Wales.
Listing Directors Requirement
All directors applying must be listed in the application to Offa.
Business Purpose and Industry Codes
The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.
Shareholder-Director Rules.
Everyone listed in the application must also be shareholders.
Company Ownership and Shares
All shareholders must be directors and collectively own 75% of the company’s shares.
Personal Guarantee by Shareholders
Offa will ask shareholders to personally guarantee the finance amount.
Legal Advice Necessity
Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,
Process for Overseas Directors
Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.
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* Financing is secured on your property. You could lose your property if you do not keep up on your payments.
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